How to find the right insurance plan for you

Choosing a health insurance plan used to be really confusing. But now, there is a new way to find a plan, and new, more affordable, quality plans available for you to choose from. And Planned Parenthood can help you figure out how to choose the best plan for you.

How to choose a health insurance plan

  • How do I find an insurance plan?

    All of the new insurance plans available in each state will be listed on one website, sometimes called a “Health Insurance Marketplace” or “Exchange,” but might be called something different in your state. For example, in California, the Marketplace is called Covered California.

    You can use the website to search for a plan, compare plan coverage and costs side by side, find out if you qualify for financial help and sign up for a plan right there.

    To see a list of plans that include Planned Parenthood that are available in your area, use our plan finder tool.

  • Do I have to buy an insurance plan using the Health Insurance Marketplace?

    You do not have to buy your health insurance through the Marketplace, but it does offer several benefits for you to consider:

    • Financial help is only available for plans through the Marketplace.
    • You can find out if you qualify for low-cost or free coverage through Medicaid.
    • You can compare plans side by side and get a clear understanding of the costs and benefits of each plan.
    • There are people to help you compare and select a plan on the Marketplace. They are there to guide you, not to sell you a product, and are available on the phone, online or in person.
  • How do I choose the best plan for me?

    There are a lot of factors to consider when choosing an insurance plan, most importantly: what your health care needs are, and what you can afford to spend.

    Only you can determine how much you can afford to spend, but we can help you think about your unique health care needs as a woman. Here are some questions you should consider:

    - Does the plan you are looking at cover the prescription birth control you use?
    Every plan must cover the full range of prescription birth control methods (pill, implants, IUDs, etc.) for free with no copay. But some plans will require a copay for certain brands, so you should check with the insurer to be sure your preferred brand is covered for free, and if not, find out how much it will cost.

    If you are considering changing your method of birth control, or even changing from a brand name to generics, Planned Parenthood can help you figure out what method is right for you.

    - What maternity care services are covered?
    Every plan will cover essential maternity services. Some prenatal services and screenings are offered free with no copay, as well as breastfeeding counseling and services. The other covered services and copay amounts vary greatly from plan to plan, so make sure you know what and how much a particular plan covers before selecting it.

    If you need to consider ending a pregnancy, it’s important to know that abortion coverage will vary from state to state and plan to plan. Some states have banned coverage of abortion altogether, and some plans just don’t cover abortion services and procedures.

    Learn more about abortion services.

    - Does the plan cover your current provider (a specific doctor, OB-GYN, or health center you prefer, such as Planned Parenthood)?
    Insurance plans have a “network” or list of providers where you can use your insurance. Not every plan will include every provider, so check to see if your current provider is included in the plans you are considering.

    If you want to have Planned Parenthood as an option for care, make sure you choose a plan that includes us as a provider. To find out which plans include Planned Parenthood, use our plan finder tool.

    - Does the plan have OB-GYNs and other women’s health care providers close to where you live or work?
    You’ll want to be sure to pick a plan that includes OB-GYN providers, like Planned Parenthood, and other women’s health care providers that are easily accessible to you. For many women, OB-GYN providers are their main source of health care – so it’s even more important that providers are nearby – whether it’s close to home or work.

    Click here for more guidance on what questions to ask an insurance plan you’re considering.

  • How much do the insurance plans cost?

    The health care law makes quality health insurance plans more affordable, and millions of Americans will get help paying for their new insurance plan.

    The plans will vary in total costs based on the category of coverage and the deductible amount. Some plans will have less expensive premiums and will require you to pay more out-of-pocket for care or have a higher deductible amount. Some will have higher premiums and lower out-of-pocket costs for care or have a lower deductible amount.

    The prices for each plan will be determined by the insurance company offering the plan. When you are comparing plans on the Marketplace, the prices will be listed along with any financial help you qualify for based on your income.

How to sign up for a health insurance plan

  • Where do I sign up for a plan?

    You can start right here. Find out what financial help you may be eligible for. And if you want to come to Planned Parenthood or have us as an option with your new insurance, find out what plans in the Marketplace include us with our plan finder tool.

  • What information will I need to sign up?

    When you are ready to enroll, there's some information you will need to provide:

    1. The social security number of you and any members of your family who will be enrolling

    2. Information about employment and income of all members of the household who will be enrolling and current health coverage information

    3. Whether or not health coverage is being offered through your employer

    4. Your budget. How much can you afford to pay each month for health insurance?

  • What do I need to do to sign up?

    Here are step-by-step instructions:

    1. Click on the 'Begin Enrollment' button on our Plan Finder page.

    2. This will take you to a form that, based on the information you enter, will take you to your state Marketplace.

    3. At this point you will create your account on your state Marketplace. You will then be asked for additional information to see if you qualify for financial help and provide plans that you qualify for.

    4. Get help if you need it. There will be experts available online, on the phone or in person to help you find a plan that meets your needs and your budget. To find help in your state visit here.

  • Where can I go if I need help choosing a plan or signing up for one?

    If you need help, there are trained experts sometimes called “Navigators” in every state. These experts are available on the phone, online or in person. There will also be people called certified application counselors and in-person assisters. All of these people (Navigators, certified application counselors, in person assisters) are not salespeople, and they are there only to help you and answer questions, not sell you a plan. To find a Navigator or application helper in your state, please use the tool below.

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